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They don't. They have exactly the same interest rates, everything. The only difference is what you use the money for, and then all the tax nonsense with deductablility, CGT etc. Which reminds me, I really need to get my cat off that wardrobe and get her to do my tax for me ...

We're starting to get pinholes in our red leather couch after having a cat for several years - she puts holes in jumping up on the top of it. They're not bad though, more damage has been done by toddlers with pens. Now, I have an ancient (by no means antique) clunker of a varnished pine...

Yeah, if one of your boarders does a runner and takes your stereo with them, you won't be covered. Generally not an issue when you're a broke student sharing and your furniture consists of two milk crates and a mattress, more of an issue when you are an adult earning good money and your stuff is...